Credit Score Improvement Advisor — Personalised 90-Day Plan
Share your current score and a few key metrics. We'll show you what's hurting you and give you a 90-day plan to improve.
What it does
Credit Score Advisor breaks down the 5 factors of your score, identifies the biggest drag, and prescribes a 90-day plan with realistic gain estimates.
When to use it
Use it 3–6 months before applying for a mortgage, car loan or premium credit card.
Benefits
- Identifies what's hurting you most
- Prioritised 90-day action plan
- Realistic score gain estimate
- Free, no credit pull
Example
Score 640, 45% utilization, 1 late payment → see how to break 700 in 3 months.
Frequently asked questions
- Will this check my credit?
- No. You enter your own numbers; nothing is pulled from any bureau.
- How fast can my score change?
- Utilization changes can show in 1 statement cycle (~30 days). Late payments take longer to fade.
- Does closing cards help?
- Usually no — closing reduces your available credit and can hurt utilization. The AI explains for your specific situation.
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